Rize Federal Credit Union Personalized Loan
Accepts ITIN, most states
- APR
- 9.00-16.00%
- Loan amount
- From $250
- Term
- 2-5 years
Apply now
on the Rize FCU website
on the Rize FCU website
Best ITIN loans: lenders that accept an ITIN
12 lenders and credit unions that give personal loans with an ITIN instead of an SSN. Places are set by points: APR, where they lend, published amounts and terms, online application.
| # | Name | APR | Loan amount | Term | Where | Score |
|---|---|---|---|---|---|---|
| 1 | Rize Federal Credit Union Personalized Loan | 9.00-16.00% | From $250 | 2-5 years | 47 states | 83 |
| 2 |  Mission Asset Fund Lending Circles | 0% interest | $300-2,400 | - | California | 77 |
| 3 | OneMain Financial Personal Loan | 11.99-35.99% | $1,500-35,000 | 24-60 months | 44 states | 75 |
| 4 |  Neighborhood Trust Federal Credit Union Personal Loan | Up to 18% | Up to $10,000 | Up to 60 months | New York City | 74 |
| 5 | Northwest Plus Credit Union Personal Term Loan | 8.99-17.99% | - | Up to 72 months | Washington State | 72 |
| 6 | Cobalt Credit Union Personal Loan | 8.99-17.75% | $500-30,000 | Up to 60 months | NE, IA | 71 |
| 7 |  Latino Community Credit Union | 16.00% (signature) | Up to $20,000 | 6-48 months | NC | 70 |
| 8 | UW Credit Union Fixed-Rate Personal Loan | From 8.48% | $500-40,000 | 36-72 months | Wisconsin | 59 |
| 9 |  WECU Personal Signature Loan | 8.99-24.99% | - | Up to 60 months | Washington State | 47 |
| 10 |  LES People's FCU Personal Loan | From 10.49% | Up to $20,000 | Up to 60 months | NY | 36 |
| 11 |  CapEd Credit Union Signature Loan | From 11.34% | From $500 | Up to 60 months | Idaho | 36 |
| 12 |  Fibre Federal Credit Union | - | - | 12-60 months | WA, OR | 26 |
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How the places are set
Only lenders that accept an ITIN, with APR up to 36%. Up to 100 points.
APR - up to 40: highest APR up to 18% (or 0%) 40, up to 24% 30, up to 36% 15, only a starting rate published 12, not published 0.
Where they lend - up to 25: 20 states or more 25, one state 12, part of a state 6. Published amounts: minimum and maximum 15, one of them 8. Published term - 10. Online application - 10.
No data - 0 points. With equal points, the lower published rate goes first.
Not included: lenders with no data on ITIN loans (Oportun, Happen, Achieve, Capital Good Fund, Brooklyn Cooperative FCU) and loans above 36% APR.
Data as of November 7, 2026.